Bankruptcy, Debt & Consumer Protection
Browse published legal information questions related to Bankruptcy, Debt & Consumer Protection.
What Civil Claims Apply When Packages Are Stolen During Delivery?
When a package is stolen during delivery, the possible civil claims often depend on who had the package, what the delivery terms said, and how the loss happened. In general, the most common legal theories may include bre...
Can a Security Guard Legally Detain Me After I Showed Proof of Purchase?
In Utah, a security guard may sometimes stop or hold someone briefly, but only within the limits of the law and the guard’s authority. Showing proof of purchase may resolve the immediate concern, but it does not automati...
Can a business rely on a beep tone instead of verbal consent before recording a call?
In California, a business generally should not assume that a beep tone alone is enough to replace consent before recording a call. The answer often depends on the type of call, who is on the call, what notices were given...
Do I have to make student loan payments after applying for closed school discharge?
In general, applying for a closed school discharge does not always stop student loan billing right away. Whether payments are still due usually depends on the type of loan, the lender or servicer’s rules, and whether the...
My roommate’s boyfriend basically lives here now and won’t chip in for utilities. Can I do anything?
In Colorado, your options usually depend on the lease, any roommate agreement, and who is legally responsible for the utilities. If the boyfriend is not on the lease and not on the utility accounts, he may still be allow...
Employer Raised My Hourly Rate by Mistake and Won’t Fix It—Am I Liable?
In New Jersey, an employer may sometimes try to recover wages that were paid by mistake, including an hourly rate that was accidentally set too high. Whether you are legally liable usually depends on the facts, including...
My Ex Used My Credit Card After We Split — Is It Theft or a Civil Dispute?
In North Carolina, an ex using your credit card after a breakup can sometimes raise both criminal and civil issues, but it does not automatically mean theft. The answer usually depends on whether your ex was authorized t...
Can I get an emergency court order to stop someone from posting more false claims?
In some situations, a court in Wyoming may be asked to enter an emergency order to stop another person from making or repeating false claims. But that type of relief is usually limited, and courts often look carefully at...
What happens if I accidentally overpay a credit card and the company won’t refund the balance?
If you accidentally overpay a credit card, the account usually ends up with a negative balance or credit balance. In general, that means the card issuer owes you the excess amount, but the exact process for getting it ba...
Do I have to pay a cancellation charge when the cleaning company canceled on me twice?
In general, if the cleaning company canceled on you twice, whether you owe a cancellation charge depends on the contract, the company’s cancellation policy, and what actually happened. If the company was the one that fai...
What happens if a debt collector tries to collect a debt that was discharged in bankruptcy?
If a debt was discharged in bankruptcy, a debt collector generally should not keep trying to collect it from you personally. A bankruptcy discharge usually means the legal obligation to pay that particular debt has been...
What happens if my PSLF payment count shows 82 payments but I think it should be 110?
If your Public Service Loan Forgiveness (PSLF) payment count shows 82 qualifying payments but you believe you should have 110, that usually means the loan servicer or PSLF review process has not yet credited some months...
Do I have to pay for a repair if the issue came back within a week?
In general, whether you have to pay for a repair that failed again within a week depends on the repair agreement, what was promised, and what caused the problem to return. In Missouri, the first question is usually wheth...
How do I claim an old utility deposit that shows up as unclaimed property?
In North Carolina, an old utility deposit that appears on an unclaimed property list usually means the utility company reported money it could not return to you after your account ended. In general, the state holds that...
How do I take a landscaper to small claims court for charging $900 and leaving my yard unfinished?
In Iowa, a dispute like this is often handled as a small claims or other civil money dispute if the amount involved is within the court’s limits and the facts support a claim for unpaid, overpaid, or refunded work. In ge...